Pasadena Insurance Rates:

Pasadena, CA home insurance is about $576 to $781, about $48-$65/month. Our thorough analysis reveals consumers can save as much as $271 by getting multiple quotes

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Pasadena Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $310/2 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $745,000

4 Beds, 4 Baths 2200 sqft Seasonal Residence Constructed In 1948 with Wood Flooring, Slate Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Indoor Sprinklers, Swimming Pool, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

58 Years old Single Female who has a Full Time Job with household income of more than $150,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $180/1 month for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $890,000

5 Beds, 5 Bath 3240 sqft Rental Property Constructed In 1947 with Ceramic Tile Flooring, Metal Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Deadbolt Locks, Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

64 Years old Divorced Male who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $630/4 months for More than 10000000 Coverage
Policy Holder Home Details :

Home Value : $930,000

5 Beds, 5 Baths 2680 sqft Rental Property Constructed In 1970 with Linoleum, Wood Shake Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Fireplace, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Married Male who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $340/7 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $335,000

2 Beds, 2 Bath 1290 sqft Primary Residence Constructed In 1941 with Carpet Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

39 Years old Single Male who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Home Insurance Rate of $1880/10 months for $800000-$900000 Coverage
Policy Holder Home Details :

Home Value : $700,000

5 Beds, 5 Baths 2020 sqft Seasonal Residence Constructed In 1952 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Married Female who is Retired with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2580/8 months for More than $1,000,000 Coverage
Policy Holder Home Details :

Home Value : $1,370,000

4 Beds, 4 Baths 2914 sqft Primary Residence Constructed In 1948 with Linoleum, Asphalt Shingles Roof, Chainwall Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

53 Years old Single Male who has a Part Time Job with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Pasadena, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
91105 $856,000 $710
91107 $639,000 $680
91104 $614,100 $680
91106 $588,400 $670
91103 $554,200 $670
91101 $438,300 $650

Pasadena Rates & Quotes Analysis:

Pasadena Area Estimated House Insurance
Market Aly, Brandon St, Crown Ave, Chelsea Rd, Calanda Ave, Waldo Ave, Continental Ct, Somerset Pl, Rim Rd, Mound Ave$644
Newton Aly, Fairfield Cir, Electric Dr, Fletcher Ave, Whitefield Rd, Northaven Ln, Morgan Aly, Wapello St, Beacon Pl, Warwick Rd$687
Betts Aly, Woodlyn Rd, Milford St, Startouch Dr, Oakwood Pl, Elmwood Dr, Inverness Dr, Walton Oaks Ln, Briartree Dr, McNally Ave$650
Wiladonda Dr, Rollin St, Glendon Way, N Hanning Ave, Locksley Dr, Creekside Ct, N Toltec Way, N Martelo Ave, Lynnhaven Ln, E Terrace St$None
Wright Ave, Oxford Rd, Orchard Ln, Lofield Ct, la Senda Pl, New Haven Rd, San Marcos Dr, N Vinedo Ave, Rubio St, Armada Dr$718
Grace Ter, Echo Glen Dr, Berendo St, Doresta Rd, Herr Aly, Ave 64, Elma Rd, Chester Ave, N Harding Ave, Highland Aly$686
Union St, Rockland Pl, Los Olivos Ln, Tonia Ave, Elgin Aly, E Ave 61, Raymond Dr, Lura St, Meadow Grove St, Angeles Crest Hwy$None
Rockdell St, Blanche St, N Dominion Ave, W Poppyfields Dr, S Arroyo Pkwy, N Wilson Ave, la Granada Way, Glendon Ct, Emerson Way, W Altadena Dr$655
W la Canada Verdugo Rd, Tenhaeff Aly, Kaweah Dr, Kewen Dr, Hermosa Rd, Willis Aly, Avonrea Rd, N Carmelo Ave, N Luna Ct, Annandale Rd$700
Terrill Ave, Rose Villa St, W Coolidge Dr, Ontario Ave, Pizzo Ranch Rd, Veranada Ave, Veranada Ave, S Berkeley Ave, Patrician Way, Merendino Ln$None

Insurance rates are influenced by a number of factors including:

  • Year Built: 19,320 Homes (17% of total homes ) built between 1950 to 1959 in Pasadena are paying home insurance between $1,276-$1,286. Places close to Pasadena, CA such as San Marino, South Pasadena, Sierra Madre are more expensive by $91, $43, $16 respectively while Altadena and San Pasqual are cheaper by $35 and $13 respectively for similar homes.
  • Bedrooms: 33,123 3 bedrooms homes (31% of total homes ) in Pasadena are paying about $259. Areas near to Pasadena such as San Marino, South Pasadena, Santa Monica are costlier by $18, $8, $17 respectively whereas Altadena and San Pasqual are more economical by $14, $10 respectively for similar homes.
  • Auto Insurance Bundling: 26,614 Households (46% of all households) in Pasadena have 2 vehicles available and when it is bundled with home insurance you can save $135. Discounts for similar bundling in close by locations such as Altadena, San Pasqual, San Marino come to $132, $134, $145 respectively.
  • Senior Discounts: 29,521 seniors (more than 55 years) occupied housing units (51% of total) in Pasadena get discounts between $101 to $104 and varies from Altadena ($99), San Pasqual ($100), San Marino ($109).
  • New Homes discounts: New homes such as the 30,195 homes built between 2000 to 2009 in Pasadena can save $135 and similar new home insurance discounts in nearby towns and cities like Altadena, San Pasqual and San Marino are $132, $134 and $145 respectively.

Pasadena Homeowners insurance Facts

  • Pasadena, CA has 57,533 owner occupied houses which is 56.5% of all units whereas Altadena, San Pasqual and San Marino have 73.74%, 56.07% and 91.58% respectively.
  • Pasadena, CA homeowners yearly insurance price at $679 is 0.1% of the typical house value of $696,000 which is in contrast with 0.11% in Altadena, 0.1% at San Pasqual & 0.07% in San Marino.
  • Homeowners in Pasadena, CA pay 1.01% of their income ($60,000 to $74,999) in insurance whereas homeowners in Altadena, San Pasqual and San Marino pay 0.98%, 1.0% and 1.08% respectively.
  • Pasadena, CA’s insurance is 1.9% of monthly housing costs of $3,052/month, for owners with a mortgage compared to 2.07% in Altadena, 1.73% at San Pasqual & 1.51% in San Marino. But, for households without a mortgage, insurance is 9.4% of costs ($605 in Pasadena, CA) in contrast with 11.48% in Altadena, 11.69% at San Pasqual & 6.05% in San Marino.

Pasadena, CA Home Values & Insurance rates

For example, insurance for 352 Homes (4.0% of total homes ) valued between $100,000 to $124,999 in Pasadena, CA is about $101. Rates in nearby areas in such as San Marino, South Pasadena, Sierra Madre are cheaper by $29, $10, $5 respectively while Altadena and East Pasadena are costlier by $17 and $12 respectively for similar homes.

Pasadena, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 432 4.0% $20
$50,000 to $59,999 123 1.0% $47
$60,000 to $69,999 92 1.0% $61
$70,000 to $79,999 120 1.0% $67
$90,000 to $99,999 98 1.0% $88
$100,000 to $124,999 352 4.0% $101
$150,000 to $174,999 224 2.0% $156
$175,000 to $199,999 131 1.0% $176
$200,000 to $249,999 693 7.0% $217
$250,000 to $299,999 1,359 15.0% $264
$300,000 to $399,999 4,968 57.0% $339

Renters Insurance in Pasadena

  • Average Renters Insurance in Pasadena :  $31($2/month)

  • Median Gross Rent in Pasadena :  $1,355

  • Pasadena Renters Insurance to Median Rent Ratio:  0.15%

  • Renter occupied housing units in Pasadena :  44,337

Pasadena Renters Insurance as a Percentage of Rent

Pasadena Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 988 2.0% $757
$300 to $499 950 2.0% $1207
$500 to $749 1,533 3.0% $1882
$750 to $999 5,571 12.0% $2632
$1,000 to $1,499 17,169 39.0% $3757
$1,500 or more 16,974 39.0% $5407

Rent Affordability in Pasadena:

Approximately 43.0% (19,171) of households are spending more than 35% of their income on gross rent in Pasadena

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 4,721 10.0%
15.0 to 19.9 percent 6,040 13.0%
20.0 to 24.9 percent 5,580 12.0%
25.0 to 29.9 percent 5,072 11.0%
30.0 to 34.9 percent 3,753 8.0%
35.0 percent or more 19,171 43.0%

Pasadena Renters Insurance Discounts:

Pasadena Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Pasadena, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 20,670 46.0% $3.1
2 vehicles available 14,163 31.0% $4.65
3 or more vehicles available 3,905 8.0% $6.2

Protective device discount in Pasadena Up to :  $4

Claims-free discount in Pasadena Up to :  $6